A Research On The Credit Risk Management Of Industrial And Commercial Bank Of China, Xuzhou Branch

Credit risk is one of the most important risks that commercial banks faced. On the extent of potential losses,credit risk is the main risk of commercial banks. Low level management is major reason which results in credit risk.Thus how to raise the level of credit risk management is a major task faced by our country's banking.The thesis takes Industrial and Commercial Bank of China,Xuzhou Branch (ICBC,Xuzhou Branch) for an exemple,according to the analysis on the status quo of credit risk management in Xuzhou Branch,points out the major problems existed in credit risk management and analyses deeply the reasons why so many problems had raised.Baced on advanced experiences of international management,tries to view from the angle of practice and development,arround the main points about the measures of credit risk,the priciples about how to improve credit risk management and the ideas of credit risk management,to study how to improve the ability of credit risk management for ICBC Xuzhou Branch,for the purpose to achieve effective credit risk provention.The theories of management,finance,organizational behavior and statistics had been used in this paper,with the use of theoretical research and empirical analysis both ways,and takes on the qualitative and quantitative analysis method.The paper consists of eight chapters:Chapter 1 describes the background,Significance of the topic and the thesis structure,etc.Chapter 2 is about some related theories on credit risk management.Chaper 3 according to the actual situation of ICBC Xuzhou Branch,points out the problems existed in its management and analyses deeply the reasons why so many problems had raised.Chapter 4 introduces credit risk management in advanced international banks and its impact on our country's commercial banks.Chapter 5 exploratory points out the principles and requriments needed to follow in order to improve credit risk management in ICBC Xuzhou Branch.Chapter 6 taken the point of development and based on VaR and Credit Metrica,discusses the methods of analysing and measuring credit risk management in ICBC Xuzhou Branch. Chapter 7 is a set of ideas to improve the credit risk management level.Chapter 8 is a conclusion.This paper hopes to study theory with practice,for responding to provide some help on concept and countermeasure about Xuzhou Branch's credit risk management,in order to improve its credit risk management system,to improve the quality of credit assets and to realize its healthy,sustainable and stable development.The paper also hopes to provide a certain reference on credit risk management for other commercial banks.